UNION STATE BANK

ARKANSAS CITY, KS | Medium | Est. Dec. 30, 1908, midnight | FDIC #1869 | RSSD #227151 | FED
Latest Report: 2025-12-31

UNION STATE BANK is amn medium FDIC-insured commercial bank headquartered in ARKANSAS CITY, KS, established in Dec. 30, 1908, midnight. As of 2025-12-31, the bank reported total assets of $655M and total deposits of $561M. Profitability stands at 1.43% ROA and 12.50% ROE, with a net interest margin of 4.35%. The bank's CET1 capital ratio is 14.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.24%. FDIC Certificate #1869.

Assets

$655M

Deposits

$561M

Loans

$425M

Equity

$77M

Profitability

Return on Assets (ROA) 1.43%
Return on Equity (ROE) 12.50%
Net Interest Margin (NIM) 4.35%
Yield on Assets 5.99%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.24%
NPA Ratio 0.15%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 14.21%
Tier 1 Capital 14.21%
Total Capital Ratio 15.31%
Leverage Ratio 10.19%
Loan-to-Deposit 75.91%

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